Quality Control Analyst (In Office) TX, CO, or AZ

Quality Assurance plays a vital role across all mortgage products services and activities. Effective management of compliance risk is a fundamental element of regulatory risk oversight. The Quality Assurance department within EML functions as a second line of defense performing independent and objective reviews of business processes functions and departments to determine the effectiveness of internal controls in managing compliance and procedural risks.

A QA Analyst primarily conducts detailed audits of loan files to ensure accuracy completeness and compliance with internal policies regulations and investor guidelines. Responsibilities include performing pre- and post-closing audits identifying and reporting defects or discrepancies documenting trends and collaborating with management to implement corrective actions and process improvements across departments.

This position will be in-office in one of our locations in TX CO or AZ.

Core responsibilities:

• Conduct audits: Perform advanced reviews of mortgage loans.
• Review loan documentation: Independently analyze loan file components including but not limited to credit reports appraisals title policies and disclosures.
• Ensure compliance: Verify that loan files and processes adhere to federal state and investor regulatory guidelines as well as internal policies and procedures.
• Identify and report issues: Document and report errors discrepancies and potential risks in loan files or workflows.
• Collaborate on corrective actions: Partner with management to develop and implement action plans for identified issues.
• Document quality data: Prepare reports for management and document trends and error rates.
• Maintain expertise: Stay current with i-achieve assignments EML process changes and emerging QA requirements to serve as a subject matter expert.

Key activities and skills:

• Collaborate with teams: Participate in meetings training and feedback sessions. Demonstrate strong teamwork ethics and work respectfully with production processing underwriting and compliance teams.
• Generate reports: Prepare daily weekly and monthly reports summarizing findings and metrics.
• Manage workflow: Balance multiple priorities and meet deadlines while maintaining accuracy and attention to detail.
• Utilize systems: Use loan origination systems and other tools to input data perform audits and document results.
• Use AI-powered tolls to streamline workflows and reporting.

Qualifications:

A successful QA Analyst will have a strong understanding of mortgage lending processes including regulations and guidelines from FHA VA Fannie Mae and Freddie Mac.

Key qualifications include:

• Minimum 2 years of experience in mortgage quality assurance loan processing or underwriting.
• Strong attention to detail with analytical and problem-solving abilities.
• Proficiency in loan origination software and Microsoft Office (Excel required).
• Excellent written and verbal communication skills for reporting findings and collaborating with teams.

Education and experience:

• Experience: At least 2 years of experience in mortgage quality assurance preferred; prior loan processing and/or underwriting experience may substitute.

Technical and regulatory knowledge:

• Mortgage process: Deep understanding of the end-to-end mortgage lending process from origination through servicing.
• Guidelines and regulations: Familiarity with agency guidelines (FHA VA Fannie Mae Freddie Mac) and federal/state regulations such as RESPA TILA Reg B Reg Z and HMDA.
• Software: Proficiency in Encompass E360 and Microsoft Office Suite; Excel proficiency is required.
• Loan calculations: Ability to perform complex calculations such as debt-to-income (DTI) and loan-to-value (LTV) ratios preferred.

Skills and abilities:

• Attention to detail: Exceptional accuracy and thoroughness when reviewing documentation.
• Analytical mindset: Ability to interpret data identify risks and detect potential fraud.
• Systems thinking: Understand how one error can impact related processes or outcomes.
• Communication: Strong written and verbal communication to convey findings clearly.
• Problem-solving: Proactive approach to identifying and resolving issues efficiently.
• Time management: Strong organizational skills to manage multiple audits in a fast-paced environment.
• Teamwork: Ability to work independently while collaborating effectively with cross-functional teams.